Dental Insurance Plans: Are the Benefits Worth the Cost?

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Although dental health plays a critical role in maintaining good general health, many who desperately need professional dental care don’t have dental insurance plans. The National Association of Dental Plans reports that just over 126 million Americans don’t have any type of dental coverage—that’s three times more than the number of people without standard health insurance. Because of steep out-of-pocket treatment costs, many Americans simply ignore dental problems instead of seeking care.

Dental Insurance Trends Over the Years

In 1995, the Behavioral Risk Factor Surveillance System survey, conducted by the Centers for Disease Control, found that 44 percent of participants reported having no dental insurance coverage. By 2012, the number of uninsured Americans only had dropped to 42 percent.

Since the late 2000s, the insurance industry has suffered due to rising healthcare costs, economic weakening, and reluctance of employers to provide dental insurance plans for employees. Under recently instituted healthcare reform laws, children and adults are not required to purchase dental insurance, but some states offer bundled or separate dental plans through the Health Insurance Marketplace. Currently, 97 percent of dental benefits are provided through separate dental coverage policies that offer comprehensive preventative care benefits, but only partially cover major treatment expenses.

Dental Care Options for the Uninsured

If you cannot obtain coverage through your employer, the private market, or subsidized plans, finding affordable dental care can be a challenge—but there are options. As the number of people who are unable to afford routine dental visits has increased, so has the number of dentists. This is good news for patients who are without dental insurance, because dentists are working harder to find ways to make their services more affordable. Most dentists today offer or accept savings plans, and many are now offering new-patient specials that include free first visits and discounted treatments. Some dentists even offer in-house or third-party financing with reasonable payment plans.

Although the cost of routine dental care can be expensive, it is essential to visit the dentist every six months. Remember, preventative care is much more affordable than putting off dental problems until they require treatment.

To get the dental care you deserve from an affordable dentist in South Bend, call The Dental Center of Indiana today at (855) 979-3358 or make an appointment.

The Dental Center offers affordable family dentistry and gentle, compassionate dental care in South Bend. With 5 affiliated practices throughout Indiana, our offices are conveniently located with extended hours to meet your needs. At The Dental Center of Indiana, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at The Dental Center of Indiana.

Read What Our Patients Say
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Took my 5-year-old to get cavities filled, he actually fell asleep! I got to stay with him the whole time. The staff was amazing, I would highly recommend this office.
Angela F.
Amazing, friendly, patient, funny, professional, informative staff. They were wonderful to my children.
Bowen S.
Awesome people, I have had the best experience with my dental care.
Larry A.
Everyone was so polite and so good with my kids.
Colton W.
Knowledge of the employees and their kindness and consideration.
Gayle G.
Dr kiser helped eliminate the pressure on 2 of my teeth and solved my problem. Thanks bunches
Erin B.
The doctor and her assistant were great. I had a reaction to the lidocaine and they took care of me in a very comforting way!
Janus H.
Professionalism.
Anthony K.
overall experience in the past and most recent visit.
Kenneth M.
Dr Lauren was the best with my special needs daughter. The team was great. Made all the accommodations she needed to get her teeth taken care of. Thank you so much and we will be back
Rae B.
Great care, very thorough, made sure things were done right
Duane S.
Dr. Cochran
Jonale H.
Great compassionate care. The hygienist and doctor worked so good with my little ones first dental visit.
King G.
Julie is awesome. An Sue is wonderful.
Jeffrey S.
Dental assistant Kelsie did a great job.
Andrew C.
Nice, clean office, friendly staff
Marci H.
The hygienist was very good. I had very little pain after my 6 month cleaning.
Douglas M.
Two of my children had work done. The staff was AMAZING!! They were very kind, patient, professional and they answered every question I had and also kept my children informed about what they were […]
Anne S.
Always a friendly staff
Hailey A.
Friendly, caring , short wait time, thorough
Maurshane H.
We Accept Most Insurance Plans!
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We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

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